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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomika Dan Bisnis Islamic Economics and finance in Focus (IEFF) Jurnal Ekonomi dan Bisnis
Soleha, Safnah
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Religion Economics, Econometrics & Finance Social Sciences

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Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23293

Abstract

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.
Optimalisasi Pembayaran Digital Melalui Quick Response Code Indonesian Standard (QRIS) pada UMKM Kota Medan Zainarti; Soleha, Safnah; Sabrina, Tri Wina; Anggraini, Dini
Surplus: Jurnal Ekonomi dan Bisnis Vol. 3 No. 2 (2025): Januari-Juni 2025
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v3i2.1328

Abstract

Transformasi digital dalam sistem ekonomi global telah membawa perubahan signifikan terhadap cara transaksi dilakukan, termasuk dalam sektor Usaha Mikro, Kecil, dan Menengah (UMKM). Di Indonesia, penerapan Quick Response Code Indonesian Standard (QRIS) menjadi salah satu bentuk inovasi sistem pembayaran digital yang bertujuan menciptakan transaksi yang cepat, efisien, dan inklusif.  Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan pendekatan studi lapangan melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa penggunaan QRIS memberikan berbagai dampak positif, seperti efisiensi waktu transaksi, pencatatan keuangan otomatis, serta peningkatan kredibilitas usaha di mata konsumen. Sekitar 55% transaksi harian berhasil dialihkan ke sistem digital, mempercepat layanan dan memperluas pasar. Studi ini menyimpulkan bahwa QRIS adalah alat strategis dalam mendorong digitalisasi UMKM, namun optimalisasinya membutuhkan dukungan infrastruktur, edukasi, dan kolaborasi multi-pihak untuk hasil yang lebih luas dan berkelanjutan.
Peran Sistem Informasi Manajemen Bank Syariah Indonesia Dalam Membantu Peningkatan Perekonomian Dan Bisnis di Era Digital Soleha, Safnah; Sibuea, Parulian; yunanda, Mey; Harahap, Indah Tri Sari; Nasution, Alya Arianti
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 5 No. 1 (2025): Januari - Februari
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v5i1.2509

Abstract

The purpose of this research is to find out the role of the management information system of Indonesian Islamic banks in helping to improve the economy and business in the digital era, Bank Syariah Indonesia is encouraged to be able to compete at the global level in national economic development and contribute to the welfare of society, with a modern and universal concept. The type of research used in this paper is to use literature studies obtained from several sources. The results of the study The role of sharia banks in economic progress is that sharia banking in its operations emphasizes controlling the level of productivity according to financing including mudharabah and musyarakah. BSI's support and services for SMEs give entrepreneurs the opportunity to expand their business without having to use online loans or other high-interest loans that can exacerbate problems during a prolonged business crisis. The role of Management Information Systems in Islamic banking is significant in supporting the goal of a more inclusive and equitable economy
Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23293

Abstract

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.
The Impact of Financial Technology and QRIS Services on the Effectiveness of Payment Systems at CFD MSMEs in Medan from an Islamic Economics Perspective Soleha, Safnah; Muhammad Ikhsan Harahap; Nur Ahmadi Bi Rahmani
Islamic Economics and finance in Focus Vol. 5 No. 3 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2026.05.3.14

Abstract

This research aims to thoroughly investigate the extent to which financial technology and the Indonesian Standard Quick Response Code (QRIS) service influence the overall effectiveness and efficiency of payment systems utilized by Micro, Small, and Medium Enterprises (MSMEs) operating within the bustling and dynamic environment of Medan City's Car Free Day (CFD) zone. The study employs a comprehensive quantitative research methodology, meticulously collecting data through carefully designed questionnaires distributed directly to MSME owners and operators who conduct their business activities in the CFD area. To ensure the relevance and accuracy of the sample, purposive sampling techniques were utilized, resulting in a total of 84 participants who met specific criteria related to their engagement with digital payment systems and QRIS usage. The responses obtained from these questionnaires were measured using a Likert scale, allowing for nuanced analysis of respondents’ perceptions and experiences, and the data were then processed and analyzed using the latest version of IBM SPSS Statistics (version 29), ensuring rigorous statistical testing and validity. The findings from the analysis reveal compelling evidence that financial technology services have a positive and statistically significant influence on the effectiveness of the payment systems employed by MSMEs, with a t-value of 4.822 and a p-value less than 0.05, indicating strong significance. Similarly, the implementation and utilization of QRIS services also demonstrate a positive and significant impact, with an even higher t-value of 10.238 and a p-value below 0.05, underscoring QRIS as the most influential variable among those examined. When considering both variables collectively, the results show that financial technology and QRIS services together exert a highly significant and positive effect on payment system effectiveness, as evidenced by the F-statistic of 166.846 and a p-value less than 0.05. The coefficient of determination (R²) is calculated to be 0.805, meaning that approximately 80.5 % of the variation observed in the effectiveness of payment systems can be attributed to these two key independent variables, while the remaining 19.5 % of the variation could be explained by external factors not directly measured within this study.
Co-Authors Dini Anggraini, Dini Harahap, Indah Tri Sari Harahap, Muhammad Ikhsan Hikmah Indri Yani Harahap Maryam Batubara Nasution, Alya Arianti NUR AHMADI BI RAHMANI Parulian Sibuea Sabrina, Tri Wina Tri Wina Sabrina yunanda, Mey Zainarti